San Diego's STRO ordinance requires hosts to maintain active Transient Occupancy Tax (TOT) certificates and Rental Unit Business Tax accounts. Hosts who are not property owners must also hold a Business Tax Certificate and provide a right-to-occupy document. Liability insurance is strongly recommended though specific minimum coverage amounts are governed by platform requirements rather than the municipal code.
San Diego may require short-term rental hosts to maintain liability insurance covering guest injuries and property damage. Typical minimum coverage is $500,000 to $1,000,000. Standard homeowner policies often exclude commercial rental activity, so hosts may need a separate rider or commercial policy. Platform-provided insurance (like Airbnb Host Protection) may not satisfy local requirements. Proof of insurance may be required at permit renewal.
Operating without required insurance may result in permit denial or revocation. Hosts may face personal liability for uninsured claims.
San Diego, CA
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San Diego, CA
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San Diego, CA
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San Diego, CA
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San Diego, CA
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San Diego, CA
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Side-by-side rule comparisons with other cities in San Diego County.
See how other cities in San Diego County handle insurance requirements.
See how San Diego's insurance requirements rules stack up against other locations.
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